Vergas State Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 6.5% to $4.0M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.27% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $9.0M |
| Tier 1 capital | $9.0M |
| Total risk-based capital | — |
| Total equity capital | $8.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.74% |
| Tangible equity to tangible assets | 14.74% |
| Equity capital to average assets | 15.20% |
| Internal capital growth rate | 11.17% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $5.0M |
| Retained earnings | $4.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$38K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 15.06% | 13.68% | 13.68% |
| Q4 2023 | 14.96% | 14.02% | 14.02% |
| Q1 2024 | 14.98% | 14.15% | 14.15% |
| Q2 2024 | 14.14% | 13.50% | 13.50% |
| Q3 2024 | 14.53% | 14.07% | 14.07% |
| Q4 2024 | 14.26% | 14.12% | 14.12% |
| Q1 2025 | 14.91% | 14.81% | 14.81% |
| Q2 2025 | 15.22% | 14.79% | 14.79% |
| Q3 2025 | 14.96% | 14.41% | 14.41% |
| Q4 2025 | 14.50% | 14.58% | 14.58% |
| Q1 2026 | 14.94% | 14.72% | 14.72% |
| Q2 2026 | 15.27% | 14.74% | 14.74% |
Vergas State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Vergas State Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Vergas State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9747) · FFIEC NIC profile (RSSD 804150)